People like to put on costumes on Halloween. Some e-mails don't need a holiday to do so. They simply pretend to be something other than what they actually are. Fraudsters want to elicit confidential data from users with faithfully reproduced websites and e-mails. In the worst case, criminals can use this information to plunder their victims' accounts or steal their identities. Often, this phishing spreads as spam mail and reaches countless recipients.
In special cases, however, the criminals are targeting a single big "fish", whom they are deliberately deceiving in this way. Experts call this spear phishing, as a specific victim is selected and hunted down. But no matter how phishing is used, it is a serious threat to your data.
Distrust: Become sceptical when ...
If the email contains a link, always be careful. Never call up your bank's page via a link from an e-mail, but always via direct entry in your browser. This way you avoid being lured to a manipulated page.
If one or more of the above points apply, you should delete the e-mail to be on the safe side.
If in doubt, leave the e-mail alone. If the provider in question is genuine and has a real concern, they will contact you by post if necessary.